American Express® Gold Card

Note: American Express is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

American Express® Gold Card

FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. The addition of Boxed.com makes it easy to get full value from the card's $10/month dining & entertainment credits.


Card Type: Amex Charge Card

Base
Travel
Dine
Grocery

Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply.

Noteworthy perks: ⚬ Up to $100 a year in statement credits for baggage fees and more with one qualifying airline ⚬ Up to $10 in statement credits monthly with participating dining partners (Boxed.com, Shake Shack, Seamless/Grubhub, Cheesecake Factory and Ruth’s Chris Steakhouse) ⚬ $100 hotel credit on qualifying charges on stays of 2 nights or longer, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

The Blue for Business® Credit Card from American Express

Click here to view details about a similar card: The Blue Business Plus Credit Card

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Expired 2/22/17 -- 10K points after first purchase + 10X points at U.S. restaurants the first six months (up to $2K in spend) + 2X on all purchases the first year (up to $50K in spend)

Expired 4/26/17 -- 25K: 10K after first purchase plus 15K after $5K spend in 6 months

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Greg The Frequent MilerMalMelNick ReyesSara WeissVaibhav Shetge Recent comment authors

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[…] 3X.  If you don’t have an Amex card that earns 5X for airfare, how about earning 3X?  The Premier Rewards Gold card, for example, earns 3X for airfare.  Also both the Business Gold Rewards card and the Simply Cash […]

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[…] Preferred 4.5X* (up to $6K per year) EveryDay 2.4X** (up to $6K per year) Premier Rewards Gold […]

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[…] cardholders to 4 or 5 primary credit card accounts.  Charge cards (such as Amex Platinum cards, Premier Rewards Gold, Business Gold Rewards, etc.) are not similarly restricted, but as far as I know they all have […]

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[…] Premier Rewards Gold Card from American Express (standard offer is 25K after $2K spend in first 3 months) […]

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[…] More info about the new card can be found here. […]

Steve
Guest
Steve

The information at the top says that the offer expires in January 2018. Don’t you mean 2019?

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[…] Amex Gold Card: Offers 4 points per dollar at US grocery stores (up to $25,000 annually). […]

Gabe
Guest
Gabe

Does an authorized user get a whole new set of the perks listed above ($100 airline fees reimbursement, $10 dining credit, etc)?

Nick Reyes
Editor

No.

trackback

[…] American Express® Gold Card  ➥More ⓘ $726 1st Year Estimate50K points + 20% back on select purchases 50K after $2K spend in 3 months + 20% back as a statement credit at US Restaurants within the first 3 months (up to $100 back).(Offer Expires 01/09/19) […]

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[…] of the biggest selling points of the new Amex Gold card is that it earns 4 points per dollar at US restaurants.  A number of readers have reported, […]

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[…] the heels of the new (and well regarded) consumer Gold card, Amex introduced their new Business Gold card… and the world shrugged.  Why?  Both cards […]

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[…] new American Express® Gold Card offers an eye-popping 4 Membership Rewards points per dollar for spend at restaurants and grocery […]

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[…] American Express® Gold Card  ➥More ⓘ $431 1st Year Estimate40K points 40K after $2K spend in 3 months […]

Vaibhav Shetge
Guest
Vaibhav Shetge

clicking thru the link here the current sign up bonus shows 40k. I have tried in incognito too.. was there another trick to get to the 50k landing page?

Nick Reyes
Editor

Thanks for commenting. Interestingly, when I tried the link, it showed me the 50K offer. Greg saw the 40K offer that you’re seeing. I then tried a different browser and saw the 40K offer. It seems they have a couple of offers out there on the card.

Vaibhav Shetge
Guest
Vaibhav Shetge

Tried the fresh browser instance and that showed 35k!!
Interesting point on the 50k.. maybe its targeted? what browser did you use for the 50k offer?

Vaibhav Shetge
Guest
Vaibhav Shetge

I tried Safari on my macbook and saw the 50k. The previous 40k and 35k were also on the same macbook, but with chrome.
Thanks guys! Netted extra 10/15k!!

Sara Weiss
Guest
Sara Weiss

Can I apply my AMEX GOLD $100 annual credit towards the early bird boarding fee on Southwest? I called AMEX customer service and southwest customer service (spoke with supervisor) and they didn’t know.

Nick Reyes
Editor
MalMel
Guest
MalMel

Thank you!! I used your yellow ‘Click here to apply’ link for the Amex Gold and got the 50k bonus. That was after looking at my Amex online account card offer, it was 35k. Then I looked incognito, cleared cookies, etc.Still 35k. Returned to your article and your link provided 50k. I am like a dog with a bone…..now if I could only get the Virgin Atlantic site to work.

MalMel
Guest
MalMel

To clarify, I clicked on the yellow ‘More’, then on the next page I clicked the yellow ‘Click here to apply’.

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[…] of us who spend a lot on groceries likely have the Amex Gold card because it earns 4x at US Supermarkets on the first $25K in purchases per year (then 1x). It also […]

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[…] you have the Amex Green Card or Amex Gold Card you should be eligible to upgrade to the consumer Platinum Card.  Similarly, if you have the […]

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[…] transferred to airline and hotel partners).  Amex also has the best food-related earnings with the Amex Gold Card, which earns 4X points at US Supermarkets (up to $25K in purchases, then 1X) and 4X at restaurants […]

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[…] Amex Gold (4x Membership Rewards points on up to $25K per year at US Supermarkets, then 1x): […]

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[…] Amex Gold 4X (up to $25K/year, then […]